Terms and Conditions
Effective Date: 02/24/2026
These Terms and Conditions (“Terms”) govern your use of services provided by National Foreclosure Defense Advocates LLC (“Company,” “NFDA,” “We,” “Us,” or “Our”).
By accessing our website, submitting your information, scheduling a consultation, or using our services, You agree to be bound by these Terms.
Interpretation and Definitions
Company
Refers to National Foreclosure Defense Advocates LLC, located at:
600 W Santa Ana Blvd Ste 115
Santa Ana, California 92701
United States
Service
Refers to foreclosure advocacy, loss mitigation services, loan investigations, consultation services, and related communications provided by the Company.
Website
Refers to any website, landing page, or digital platform operated by the Company.
You
Means the individual or legal entity accessing or using our Service.
Eligibility
You must be at least 18 years old to use our Service. By using our Service, You represent that You are legally capable of entering into binding agreements.
Nature of Services
National Foreclosure Defense Advocates LLC provides:
Foreclosure advocacy services
Loss mitigation negotiation
Loan file investigation and compliance review
Foreclosure resolution planning
Consultation services
We are not a lender. We do not guarantee loan modification approval, foreclosure dismissal, refinancing, or any specific financial outcome.
Results vary depending on lender cooperation, borrower eligibility, legal factors, and financial circumstances.
No Legal Representation
Unless expressly stated in a separate written agreement, NFDA does not provide legal representation and is not acting as your attorney. If legal services are required, You may be referred to a licensed attorney.
Client Responsibilities
You agree to:
Provide accurate and truthful information
Submit requested documents in a timely manner
Communicate honestly about your financial situation
Not withhold material facts relevant to your foreclosure matter
Failure to provide accurate information may negatively affect your case.
Fees and Payments
Fees for services will be disclosed in a separate written agreement before engagement.
All payments:
Are subject to the agreed service contract
May be non-refundable depending on work performed
Must be made according to the terms outlined in your service agreement
We reserve the right to suspend services for non-payment.
SMS & Communications Consent
By submitting your phone number and opting in, You consent to receive:
Appointment confirmations
Case updates
Document requests
Foreclosure status notifications
Service-related follow-ups
Marketing messages are sent only if separately authorized.
Message frequency varies. Message and data rates may apply.
Reply STOP to opt out. Reply HELP for assistance.
No Guarantee Disclaimer
While we use professional advocacy strategies and industry knowledge, we do not guarantee:
Loan modification approval
Foreclosure cancellation
Specific negotiation outcomes
Credit score improvements
Prevention of auction sale
All services are provided on a best-effort advocacy basis.
Intellectual Property
All content on our website, marketing materials, and internal systems remains the exclusive property of National Foreclosure Defense Advocates LLC and may not be copied, distributed, or reproduced without written consent.
Limitation of Liability
To the fullest extent permitted by law:
National Foreclosure Defense Advocates LLC shall not be liable for:
Indirect, incidental, or consequential damages
Loss of profits
Business interruption
Emotional distress
Foreclosure outcomes beyond our control
Total liability shall not exceed the amount paid by You for services rendered.
Third-Party Services
We may coordinate with third-party professionals (such as attorneys, document processors, or financial specialists). We are not responsible for the actions, advice, or outcomes provided by third parties.
Termination
We reserve the right to terminate services if:
You breach these Terms
You provide fraudulent information
Payment obligations are not met
Communication becomes abusive or non-cooperative
Upon termination, Your right to use our services ceases immediately.
Governing Law
These Terms shall be governed by the laws of the State of California, United States, without regard to conflict of law principles.
Dispute Resolution
In the event of a dispute, You agree to first attempt informal resolution by contacting the Company directly.
If unresolved, disputes shall be handled in the appropriate courts located in California.
Severability
If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.
Changes to These Terms
We reserve the right to update or modify these Terms at any time. Continued use of our Service constitutes acceptance of the updated Terms.
Privacy Policy Reference
Your privacy is important to us. Please review our Privacy Policy for full details on how we collect, use, and protect your information:
Carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your mobile carrier and is not guaranteed.
Contact Information
National Foreclosure Defense Advocates LLC
600 W Santa Ana Blvd Ste 115
Santa Ana, California 92701